Information Generation, Acquisition, and Processing to Improve Service Efficiency

1. A computer-implemented method, comprising: storing, by a server in a payment system, mapping relationships between a plurality of user identity information and a plurality of accounts, respectively; receiving, by the server and from a first device operated by a first user, an instruction to generate target information used for a payment operation that is from a second user to two or more different users comprising the first user, wherein the instruction includes two or more pieces of user identity information associated with the two or more different users, respectively, and wherein the two or more pieces of user identity information are added by the first user using the first device; combining, by the server and using a predetermined method, the two or more pieces of user identity information to obtain continuous text information, wherein the two or more pieces of user identity information in the continuous text information are separated by one or more separation strings; generating, by the server, the target information by applying a predetermined algorithm on the continuous text information, wherein the target information comprises at least one of an image or a sound wave encoding the continuous text information; transmitting, by the server and to the first device, the target information; after transmitting the target information to the first device, receiving, by the server and from an instant messaging program installed on a second device operated by the second user, the continuous text information subsequent to the second device recognizing the continuous text information from the target information, wherein the second device includes at least one of an image recognition apparatus or a sound recognition apparatus capable of recognizing the continuous text information from the image or the sound wave provided by the first device; decrypting, by the server, the continuous text information to obtain the two or more pieces of user identity information; transmitting, by the server and to the instant messaging program, the two or more pieces of user identity information; receiving, by the server and from the instant messaging program, a payment instruction requested by the second user, wherein the payment instruction includes the two or more pieces of user identity information and two or more corresponding payment amounts; and performing, by the server, the payment operation from an account associated with the second user to two or more accounts associated with the two or more pieces of user identity information, respectively, based on the mapping relationships.

2. The computer-implemented method of claim 1 , wherein the two or more pieces of user identity information are associated with the first user and one or more users different from the first user, and user identity information associated with each particular user includes at least one of account information, account number information, and bank card number information associated with the particular user.

3. The computer-implemented method of claim 1 , wherein the predetermined method combines the two or more pieces of user identity information into the continuous text information in an order that is based on at least priorities of the two or more pieces of user identity information.

4. The computer-implemented method of claim 1 , wherein each separation string is a predefined character or a predefined combination of characters.

5. The computer-implemented method of claim 1 , further comprising: obtaining, by a client application installed on the second device, the continuous text information from the target information provided by the first user; and obtaining, by the client application, the two or more pieces of user identity information from the continuous text information.

6. The computer-implemented method of claim 5 , wherein obtaining, by the client application, the two or more pieces of user identity information from the continuous text information comprises: removing, by the client application, one or more separation string in the continuous text information to obtain two or more pieces of sub-text information; and using, by the client application, the two or more pieces of sub-text information as the two or more pieces of user identity information.

7. The computer-implemented method of claim 5 , wherein obtaining, by the client application, the two or more pieces of user identity information from the continuous text information comprises: transmitting, by the client application and to the server, the continuous text information; removing, by the server, one or more separation string in the continuous text information to obtain two or more pieces of sub-text information; transmitting, by the server and to the client application, the two or more pieces of sub-text information; and using, by the client application, the two or more pieces of sub-text information as the two or more pieces of user identity information.

8. The computer-implemented method of claim 7 , further comprising: displaying, by the client application and on the second device, the two or more pieces of user identity information; and performing, by the client application and based on information entered by the second user on the second device, corresponding operations on the two or more pieces of user identity information.

9. The computer-implemented method of claim 8 , wherein the server is a payment server, the client application is a payment client application associated with the payment server, the first user is a payee or a business, and the second user is a payor or a customer of the business.

10. A non-transitory, computer-readable medium storing one or more instructions executable by a computer system to perform operations comprising: storing, by a server in a payment system, mapping relationships between a plurality of user identity information and a plurality of accounts, respectively; receiving, by the server and from a first device operated by a first user, an instruction to generate target information used for a payment operation that is from a second user to two or more different users comprising the first user, wherein the instruction includes two or more pieces of user identity information associated with the two or more different users, respectively, and wherein the two or more pieces of user identity information are added by the first user using the first device; combining, by the server and using a predetermined method, the two or more pieces of user identity information to obtain continuous text information, wherein the two or more pieces of user identity information in the continuous text information are separated by one or more separation strings; generating, by the server, the target information by applying a predetermined algorithm on the continuous text information, wherein the target information comprises at least one of an image or a sound wave encoding the continuous text information; transmitting, by the server and to the first device, the target information; after transmitting the target information to the first device, receiving, by the server and from an instant messaging program installed on a second device operated by the second user, the continuous text information subsequent to the second device recognizing the continuous text information from the target information, wherein the second device includes at least one of an image recognition apparatus or a sound recognition apparatus capable of recognizing the continuous text information from the image or the sound wave provided by the first device; decrypting, by the server, the continuous text information to obtain the two or more pieces of user identity information; transmitting, by the server and to the instant messaging program, the two or more pieces of user identity information; receiving, by the server and from the instant messaging program, a payment instruction requested by the second user, wherein the payment instruction includes the two or more pieces of user identity information and two or more corresponding payment amounts; and performing, by the server, the payment operation from an account associated with the second user to two or more accounts associated with the two or more pieces of user identity information, respectively, based on the mapping relationships.

11. The non-transitory, computer-readable medium of claim 10 , wherein the two or more pieces of user identity information are associated with the first user and one or more users different from the first user, and user identity information associated with each particular user includes at least one of account information, account number information, and bank card number information associated with the particular user.

12. The non-transitory, computer-readable medium of claim 10 , wherein the predetermined method combines the two or more pieces of user identity information into the continuous text information in an order that is based on at least priorities of the two or more pieces of user identity information.

13. The non-transitory, computer-readable medium of claim 10 , wherein each separation string is a predefined character or a predefined combination of characters.

14. The non-transitory, computer-readable medium of claim 10 , the operations further comprising: obtaining, by a client application installed on the second device, the continuous text information from the target information provided by the first user; and obtaining, by the client application, the two or more pieces of user identity information from the continuous text information.

15. The non-transitory, computer-readable medium of claim 14 , wherein obtaining, by the client application, the two or more pieces of user identity information from the continuous text information comprises: removing, by the client application, one or more separation string in the continuous text information to obtain two or more pieces of sub-text information; and using, by the client application, the two or more pieces of sub-text information as the two or more pieces of user identity information.

16. The non-transitory, computer-readable medium of claim 14 , wherein obtaining, by the client application, the two or more pieces of user identity information from the continuous text information comprises: transmitting, by the client application and to the server, the continuous text information; removing, by the server, one or more separation string in the continuous text information to obtain two or more pieces of sub-text information; transmitting, by the server and to the client application, the two or more pieces of sub-text information; and using, by the client application, the two or more pieces of sub-text information as the two or more pieces of user identity information.

17. The non-transitory, computer-readable medium of claim 16 , the operations further comprising: displaying, by the client application and on the second device, the two or more pieces of user identity information; and performing, by the client application and based on information entered by the second user on the second device, corresponding operations on the two or more pieces of user identity information.

18. A computer-implemented system, comprising: one or more computers; and one or more computer memory devices interoperably coupled with the one or more computers and having tangible, non-transitory, machine-readable media storing one or more instructions that, when executed by the one or more computers, perform one or more operations comprising: storing, by a server, mapping relationships between a plurality of user identity information and a plurality of accounts, respectively; receiving, by the server and from a first device operated by a first user, an instruction to generate target information used for a payment operation that is from a second user to two or more different users comprising the first user, wherein the instruction includes two or more pieces of user identity information associated with the two or more different users, respectively, and wherein the two or more pieces of user identity information are added by the first user using the first device; combining, by the server and using a predetermined method, the two or more pieces of user identity information to obtain continuous text information, wherein the two or more pieces of user identity information in the continuous text information are separated by one or more separation strings; generating, by the server, the target information by applying a predetermined algorithm on the continuous text information, wherein the target information comprises at least one of an image or a sound wave encoding the continuous text information; transmitting, by the server and to the first device, the target information; after transmitting the target information to the first device, receiving, by the server and from an instant messaging program installed on a second device operated by the second user, the continuous text information subsequent to the second device recognizing the continuous text information from the target information, wherein the second device includes at least one of an image recognition apparatus or a sound recognition apparatus capable of recognizing the continuous text information from the image or the sound wave provided by the first device; decrypting, by the server, the continuous text information to obtain the two or more pieces of user identity information; transmitting, by the server and to the instant messaging program, the two or more pieces of user identity information; receiving, by the server and from the instant messaging program, a payment instruction requested by the second user, wherein the payment instruction includes the two or more pieces of user identity information and two or more corresponding payment amounts; and performing, by the server, the payment operation from an account associated with the second user to two or more accounts associated with the two or more pieces of user identity information, respectively, based on the mapping relationships.

19. The computer-implemented method of claim 1 , wherein the first device is a smartphone.

20. The computer-implemented method of claim 1 , wherein the second device is a smartphone.